This article addresses the problem of designing twochannel near-perfect-reconstruction lter banks over multidimensional lattices. First, a cosine-modulated lter structure having arbitrary spatial shift and phase parameters is considered. The use of this structure leads to many possible two-channel multirate systems. The perfect reconstruction conditions are studied and appropriate choices for t...

In the emerging competitive and technological driven banking era, banks have to strive hard for retaining and enlarging their customer base. Electronic customer relationship management (E-CRM) is the combination of traditional CRM with the e-business applications marketplace. An E-CRM system provides financial institutions with the opportunity to establish individual and need oriented customer ...

This study compares the hazard of failure in Islamic and conventional commercial banks using survival models. The sample consists of 421 banks from 20 Middle and Far Eastern countries observed during the 1995 to 2010 period. The conditioning variables are of both bank-level and country-level type. The analysis suggests that Islamic banks have lower failure risk and are less interconnected which...

Today, e-banking is used as a strategic tool by the global banking sector to attract and retain customers. The present paper is the outcome of an empirical study conducted with the objective of investigating bankers’ views regarding ebanking. It covers bankers’ perspectives on e-banking activities of respondents, impact of e-banking and promotional measures used by banks to promote ebanking. Th...

Japanese species of the genus Eobrachycentrus are revised, and only 2 species are recognized: E. vernalis (Banks 1906) and E. niigatai (Kobayashi 1968). Eobrachycentrus oharensis (Iwata 1927) and E. propinquus Wiggins et al. 1985 are synonymized with E. vernalis and E. niigatai, respectively. Adults and immature stages of these 2 species are described or redescribed. Information on the larval h...

Politicians in‡uence the allocation of …nance either directly via state banks, or indirectly via private banks using banking regulation or creditor rights. With state ownership of banks, entrepreneurs may form coalitions to bribe politicians to obtain scarce loans. With private ownership of banks, interest groups may lobby to in‡uence creditor rights to limit access to less established …rms. Wh...

In general, banks play a growth-enhancing role for the real economy. However, distorted incentives for banks, depositors, and regulators in connection with bank insolvency may corrupt banks' credit allocation and monitoring decisions, leading to suboptimal real economic outcomes. A rules-based prompt resolution regime for insolvent banks may reestablish the incentive system and provide for econ...

Heterogeneity in size and productivity is central to models that explain which manufacturing firms export. This study presents descriptive evidence on similar heterogeneity among international banks as financial services providers. A novel and detailed bank-level data set reveals the volume and mode of international activities for all German banks. Only a few, large banks have a commercial pres...

Federal Reserve Bank of Atlanta E C O N O M I C R E V I E W Third Quarter 2002 I magine a world where your favorite bank is like Starbucks: you can find a branch at every corner, in every city on the globe. Imagine a world where in emerging markets all banks are international because local banks have either disappeared or been bought out. The world just described is not as distant from reality ...

This paper is concerned with the business strategy in managing payment innovations. Particularly, the study looks at the smart card electronic cash (e-cash) innovation in the financial service industry. The smart card e-cash has yet to overcome obstacles to its diffusion. Given the e-commerce opportunity, banks and non-banks compete to deploy smart card technology for Internet use. A review of ...